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Life & Disability

Life & Disability

Life, Accidental Death and Dismemberment (AD&D), and Disability insurance provide financial security to you and your family if you pass away, become seriously injured, or experience an illness or injury that prevents you from working.

Basic Life and Accidental Death & Dismemberment (AD&D)

Millennium Health provides Basic Life and AD&D coverage at no cost to you.
Employment Status Basic Life and AD&D Coverage
Hourly (non-exempt) 2x annual salary up to $100,000
You may choose anyone to be the beneficiary of your Life and AD&D policies. Review your beneficiary designation periodically to make sure it reflects your current wishes.

Voluntary Life and Accidental Death & Dismemberment (AD&D)

In addition to Basic Life and AD&D, you may purchase supplemental Life and AD&D coverage at discounted rates. You can buy coverage for yourself, your spouse/domestic partner, and your child(ren) up to the amounts listed here:
Coverage Guaranteed Issue
Employee Only Up to 5x annual salary ($500,000 maximum) (increments of $10,000) $150,000
Employee + Spouse/DP Up to 50% of employee’s voluntary coverage or $250,000 (whichever is less) (in increments of $5,000) $30,000
Child(ren) Birth to 6 months: $500 6 months to 26 years: Up to $10,000 maximum (increments of $2,000) All are Guaranteed Issue

Short-Term Disability (STD) for Non-CA Employees

For non-CA employees, Short-Term Disability coverage provides you with a portion of income replacement if you are unable to work due to a non-occupational illness or injury. Millennium Health provides the Core benefit at no cost to eligible non-CA employees. Benefits are available after a 7-day elimination period.

Voluntary Long-Term Disability (LTD)

Voluntary Long-Term Disability coverage pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury. If elected, a Statement of Health will be required prior to approval and premiums are payroll deducted. Benefits are available after a 90-day elimination period.
Short-Term Disability (non-California employees)
Provided at NO COST through New York Life Insurance.
Benefit Percentage 60%
Weekly Benefit Maximum $1,357
When Benefits Begin After 7th day of disability
Maximum Benefit Duration 13 weeks
Voluntary Long-Term Disability*
Provided at an affordable group rate through New York Life Insurance.
Benefit Percentage 60%
Monthly Benefit Maximum $10,000
When Benefits Begin After 90th day of disability
Maximum Benefit Duration To Age 65 or Social Security Retirement Age

Travel Assistance Program

New York Life Secure Travel protections offers New York Life members peace of mind while traveling 100 miles or more from home. New York Life Secure Travel protection will assist you with:
  • Emergency evacuation and repatriation, including covering the cost of medically necessary transportation to the nearest adequate medical facility.
  • Travel arrangements for the return of a travel companion, or children under the age of 18, who are left unattended due to the covered person’s medical emergency.
  • Round-trip transportation and accommodation (up to $150 per day for up to seven days) for a family member or friend to visit a covered person who is hospitalized more than 100 miles away for more than seven days.
  • Arrange and cover the costs of returning a deceased covered person’s remains to his/her place of residence for burial.
  • Pre-trip planning, traveling assistance, and much more!
To learn more, call (888) 226-4567, or (202) 331-7635 if outside the U.S.

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